{"id":8601,"date":"2009-09-01T00:15:09","date_gmt":"2009-09-01T07:15:09","guid":{"rendered":"http:\/\/www.amptoons.com\/blog\/?p=8601"},"modified":"2009-09-01T00:15:09","modified_gmt":"2009-09-01T07:15:09","slug":"my-healthcare-has-already-been-rationed","status":"publish","type":"post","link":"https:\/\/amptoons.com\/blog\/?p=8601","title":{"rendered":"&quot;My Healthcare Has Already Been Rationed&quot;"},"content":{"rendered":"<p><em>[My sincere thanks to Virginia Frederick for her permission to reprint this letter on &#8220;Alas.&#8221; &#8211;Amp]<\/em><\/p>\n<p>Dear Senator Hutchinson.<\/p>\n<p>I am one of your Texas constituents that is \u201cunder-insured\u201d and I want to speak to you about health Care.<\/p>\n<p>I never thought I would be a statistic in this predicament\u2014my husband was a corporate soldier all his working life and we had great health insurance provided by our companies.  But then my husband got Leukemia.  He couldn\u2019t work and Cobra soon ended.  Ironically he survived a bone marrow transplant and is now doing incredibly well\u2014and he has health insurance.  His health insurance comes through Medicare&#8211;it is a great program.<\/p>\n<p>But I am not eligible for Medicare\u2014I have 7 years to go.   I was offered a job in the local school 3 years ago\u2014but had to turn it down when my husband\u2019s condition took a turn and I had to become his full-time caregiver.  Now they don\u2019t even respond to my applications\u2014and I am sure I don\u2019t have to tell you about the job market for 58 year olds.  So I have to get individual health insurance.<\/p>\n<p>I am not stupid\u2014I have too much to lose if I have to go bankrupt&#8211;so I do have a high deductible HSA. But I learned a lot in the process of getting that policy.  You see I had had a sports injury the year before we moved to Texas\u2014plantar fasciitis, an inflammation of connective tissue in the foot caused when I tried to learn skate-skiing.<\/p>\n<p>What I found out was this:<\/p>\n<ul>\n<li> The laws that govern pre-existing conditions in group policies do not apply to individual policies<\/li>\n<li>Insurance companies can and will deny any coverage if they choose to<\/li>\n<li>They can and do exclude coverage for certain conditions for as many years as they want<\/li>\n<\/ul>\n<p>As a result:  I do have a policy but it will not cover any foot injury I might have for 5 or more years from the day of policy inception.<\/p>\n<p>The GOOD NEWS IS: I don\u2019t do much skate-skiing in Texas.<\/p>\n<p>The other \u201cGOOD NEWS\u201d is:  I LEARNED that I can\u2019t let the insurance company know if I have any warning signs of anything that may develop into something more serious\u2014in fact, I can\u2019t know if I have any warning signs.  If I did\u2014and I had to change policies for any reason\u2014those conditions would not be covered. So:<\/p>\n<ul>\n<li>I can not and will not get my cholesterol checked<\/li>\n<li> I can not and will not get a mammogram\u2014even though my mother died of breast cancer<\/li>\n<li> I can not and will not get a pap smear\u2014even though my grandmother died of uterine cancer<\/li>\n<li> I cannot and will not get tested for osteoporosis<\/li>\n<\/ul>\n<p>MY HEALTHCARE HAS ALREADY BEEN RATIONED.  It is a fact and I have sent a copy of my policy rider to prove it.  American  healthcare is already rationed: rationed by corporate profit motives.  My story is not nearly as dramatic as so many others who have lost or been denied insurance coverage\u2014but it proves to me that there must be a better way to access health care than the insurance companies have provided.<\/p>\n<p>On July 10th you wrote: \u201cHealth Care Reform Needs the Right Solution, Not a Politically Expedient One.\u201d  I agree.   Please be part of the solution by working for health care reform.<\/p>\n<p>Sincerely,<\/p>\n<p>Virginia L Frederick<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[My sincere thanks to Virginia Frederick for her permission to reprint this letter on &#8220;Alas.&#8221; &#8211;Amp] Dear Senator Hutchinson. I am one of your Texas constituents that is \u201cunder-insured\u201d and I want to speak to you about health Care. I &hellip; <a href=\"https:\/\/amptoons.com\/blog\/?p=8601\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-8601","post","type-post","status-publish","format-standard","hentry","category-health-care-and-related-issues"],"_links":{"self":[{"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/8601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8601"}],"version-history":[{"count":0,"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/8601\/revisions"}],"wp:attachment":[{"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amptoons.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}